The correct matches are Vajrai Waterfall- Urmodi river (Maharashtra), Barehipani Falls- Budhabalanga River (Odisha), Dhuandhar Falls- Narmada (Madhya Pradesh), Kunchikal Falls- Varahi river (Karnataka).
The main reason of the dispersed settlement are Mountainous or heavy forested area, Poor soil fertility, Adverse climatic region, Less availability of arable land.
Glaciers are found in the north in the Himalayas. The Thar desert is in Rajasthan in the northwest and the lagoons are in Kerala in the southwest. Unfortunately, we don’t have any icebergs in India or even in the Indian subcontinent.